We don't have a traditional LOS, do we need one to use Uptiq?

No. Most non-bank lenders run on a CRM, spreadsheets, and document tools rather than a formal LOS and Uptiq is built for that reality. The platform connects directly to Salesforce, HubSpot, Affinity, and other CRM-driven deal pipelines, pushing structured credit output into whatever you already use to manage deal flow. You don't need to buy or implement an LOS first.

How does Uptiq handle complex, multi-entity borrower structures?

The Underwriting Agent is built for multi-entity complexity - consolidated and unconsolidated financials, guarantor analysis, tiered ownership structures, and global cash flow consolidation across entities. Complex structures don't require manual workarounds or custom Excel models. The agent handles the structure natively and produces a credit narrative that reflects the full borrower picture, not just the operating entity.

How does Uptiq support IC documentation and capital partner audit requirements?

The IC Memo Generation Agent produces committee-ready memos in your house format, with every figure sourced back to the originating document. When a capital partner audits your portfolio - whether for facility renewal, annual diligence, or securitization review, they can verify the underwriting on any deal without your team reconstructing the analysis. Consistent, source-cited documentation across the portfolio is one of the outcomes non-bank lenders see fastest after going live.

What types of non-bank lenders does Uptiq work with?

Uptiq is configured for specialty finance companies, private credit and alternative credit funds, marketplace lenders, family-office direct lending operations, CRE bridge lenders, C&I lenders, and SBA lenders operating outside the chartered bank model. The platform adapts to your credit policy, deal structures, and documentation requirements — it is not a one-size-fits-all commercial lending product.

How does Uptiq compare to point solutions like spreading tools or memo generators?

Point solutions automate one stage - spreading, or memo generation, or covenant tracking. Uptiq connects the full lifecycle from intake through portfolio monitoring on one platform, with one borrower record and one policy layer running across every stage. Non-bank lenders using Uptiq stop managing handoffs between tools and start running the entire credit operation from a single, connected workflow. The integration overhead and data fragmentation that come from stitching multiple vendors together disappears.

What does starting look like for a non-bank lender new to AI?

Most non-bank lenders start with the highest-friction stage in their current workflow, usually Underwriting or IC Memo Generation, run it alongside their existing process to validate output quality against their own credit standards, and expand from there. A single agent deploys in as few as five business days. No full-suite commitment upfront, and no renegotiation required when you add more.

AI for Non-Bank Lenders

Deal velocity with credit discipline.

Uptiq agents screen the deal, build the file, and watch the portfolio after close. Your credit team moves faster without loosening the box.

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Deal file

128-unit multifamily, Phoenix AZ · $18.4M bridge

Originator: M. Alvarez

Rent roll and T-12 read

3 years, tied out

Done

Sizing run

DSCR 1.24x, LTV 68%, inside the box

Done

Sponsor package assembled

REO schedule and PFS spread

Done

Screening memo drafted

Ready for your edits

Done

You

Term sheet decision

Deal is ready for committee

Your call

150+

Institutions Trust Uptiq

What Uptiq does

From intake to payoff, one operating layer.

Deal flow is not the constraint. The hours between arrival and answer are, and the months after close are where the surprises live. Uptiq agents work across both.

Works with what you have

Connects to your LOS, asset management system, and data room through 100+ integrations. No rip or replace.

Your credit team stays in charge

Agents prepare the deal. Your people size it, price it, and decide.

Start today and expand

Pick one workflow. See results in weeks. Add agents when ready.

Solutions

Agents across the deal lifecycle.

Onboarding

Screen the deal before it costs you an hour.

Agents take in the broker package, chase what is missing, and check it against your box. Deals that fit move. Deals that do not come back the same day.

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Origination

Term sheet out while the deal is warm.

Agents read the rent roll, spread the sponsor, size the deal, and draft the credit memo. CRE and C&I, the day the package lands.

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Operations

Catch the covenant before your investors do.

Agents collect borrower reporting, track covenants, and flag deterioration between annual reviews.

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Compliance

Your file survives diligence.

Every file is complete, consistent, and documented against your credit policy. Warehouse, rating agency, and LP requests stop being fire drills.

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Qore AI Platform

Everything you need to run AI.

Qore reads the documents, knows the work, follows your policies, and connects to your systems.

Document AI

Reads every document.

Rent rolls, T-12s, leases, tax returns, and borrowing base certificates read at 95%+ accuracy.

Financial Skills

Knows the work.

Global cash flow, DSCR, debt yield, and memo drafting, the way credit teams do it.

Knowledge

Knows your policies.

Every agent sizes against the same credit policy.

Integrations

Fits your stack.

LOS, asset management, data room, and servicing connected through 100+ integrations.

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Proof, not promises

Results from banks like yours.

Measured on live commercial lending workflows, not demos.

3×

More deals per analyst

Same bench, more output.

41%

Faster underwriting

Deals move to term sheet quicker.

63%

Less memo prep

Credit memos mostly write themselves.

95%+

Document accuracy

Data pulled right the first time.

Basis: Uptiq platform capabilities as deployed across production customers.

Case study

See how one bank is doing it.

From package to term sheet in a day.

[Lender] originates CRE and C&I against a warehouse line, so every day between package and term sheet is exposure. Uptiq agents took on the reading, sizing, and memo drafting. The credit team kept every decision.

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47%

less manual document review

36%

less spreading and extraction time

63%

less credit memo prep

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